How do you lower insurance for your car?

How can I lower my auto insurance rates? I have a clean driving record, so I feel like I should be paying less than I currently am.

Answer
“There are many different ways to lower the cost of your car insurance. First, shop around by calling insurance companies directly or searching for information online.
You’ll want to get at least three quotes. Luckily, car insurance comparison tools like Jerry make shopping around easy. Download the app and Jerry will gather competitive quotes from top insurance providers and deliver low-cost insurance rates directly to your phone for free.
Although prices will vary among insurance providers, all companies consider the following factors when calculating car insurance premiums:
  • The cost of your car
  • The cost of repairs
  • Your car’s safety record
  • Your credit score
That being said, to lower your car insurance premium, you can get a less expensive vehicle with a decent safety rating, practice safe driving to avoid traffic citations, and work toward improving your credit score. Taking these steps should help you qualify for lower rates.
Lastly, reducing coverage on older cars can also be a way to lower car insurance premiums. If a car is worth less than 10 times the premium, purchasing coverage may not be cost effective because the cost of coverage and repairs will be greater than the value of the vehicle.”
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Phoebe Mah
Answered on Sep 20, 2021
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